Bank Comparison
Dozier Bank vs Montezuma State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 11
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Dozier Bank | Montezuma State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 26.66% | 14.34% |
| Equity / Assets | 24.22% | 13.88% |
Profitability
| Metric | Dozier Bank | Montezuma State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.08% | 1.61% |
| Return on Equity (ROE) | 4.54% | 11.35% |
| Net Interest Margin (NIM) | 3.28% | 3.91% |
| Yield on Earning Assets | 4.35% | 4.98% |
| Cost of Funds | 1.39% | 1.18% |
Asset quality
| Metric | Dozier Bank | Montezuma State Bank |
|---|---|---|
| Texas Ratio | 1.71% | 17.24% |
| Non-Performing Loan Ratio | 1.08% | 5.67% |
| Non-Performing Asset Ratio | 0.42% | 2.30% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 1.04% | 2.20% |
Balance sheet
| Metric | Dozier Bank | Montezuma State Bank |
|---|---|---|
| Total Assets | $55,656K | $55,824K |
| Total Deposits | $41,178K | $47,763K |
| Total Loans | $21,809K | $22,673K |
| Total Equity | $13,482K | $7,749K |
| Net Income (quarter) | $152 | $222 |
Liquidity & funding
| Metric | Dozier Bank | Montezuma State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 52.96% | 47.47% |
| Core Deposit Ratio | 95.92% | 92.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Dozier Bank | Montezuma State Bank |
|---|---|---|
| Headquarters City | DOZIER | MONTEZUMA |
| Headquarters State | AL | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 5 |
| Established | March 10, 1910, midnight | Jan. 10, 1891, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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